Clover, VA
How exposed is Clover to wildfire?
USFS's Wildfire Risk to Communities model puts Clover at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 353 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clover at the 42nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Clover's building exposure, zone by zone
USFS classifies 91.8% of Clover's buildings as Direct exposure, higher than its 8.2% Indirect share and far above its 0% Minimal share — a profile where 324 structures sit close enough to vegetation that lot clearing matters most.
Where Clover ranks
Clover scores 41st nationally and 34th within Virginia — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Clover ranks 18,675 for wildfire risk (1 is highest) and 20,251 by building count (1 is largest). Within Virginia alone, it ranks 448 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Clover and the insurance market
Clover's elevated rating (41st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Clover's 91.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Clover's figures come from
The methodology guide shows exactly how USFS turned 353 counted buildings into the percentiles shown above for Clover. The exposure-zones guide covers what Clover's dominant direct exposure actually means, with real examples from across the dataset.